2019 Benefits Summary - paypalbenefits.com - PayPal Benefits
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2019 Benefits Summary This summary provides an overview of the PayPal U.S. benefit programs. Visit paypalbenefits.com to learn more. paypalbenefits.com
PayPal benefits are here to support your mental, physical, and emotional balance so you can achieve a happy and healthy life. Who Is Eligible for Benefits? Can I Enroll My Dependents? If you’re a regular U.S. employee working 20 hours or more Eligible dependents include your spouse or domestic partner and per week on a continuous basis, you’re eligible for the children up to age 26. View dependent eligibility requirements following benefits: online at ybr.com/benefits/paypal. • Medical • Dental How Do I Enroll? • Vision PayPal’s benefits enrollment and eligibility administrator is YBR. • Employee Assistance Program (EAP) You can log in to YBR from paypalbenefits.com, or you can • Flexible Spending Account (FSA) access YBR directly. • Short- and Long-Term Disability • Via paypalbenefits.com: Go to New to PayPal • Life Insurance • Via YBR direct: ybr.com/benefits/paypal • Accidental Death and Dismemberment (AD&D) • Telephone: 844-474-6641 You’re eligible for coverage as of your hire date (or benefits • If you have questions while you’re logged in to YBR, you eligibility date), and the elections you make as a new hire can select the “live chat” feature to get answers. will remain in effect for the calendar year, unless you have a Each year, the Benefits Annual Enrollment period is held in qualifying life event (see "Changing Your Elections"). the fall. This is your once-a-year chance to enroll in or make changes to your benefits, unless you have a qualifying life event Newly eligible employees have 30 days to enroll in benefits. If (see "Changing Your Elections"). The benefits you select during you don’t make an enrollment selection, you’ll automatically Annual Enrollment will take effect January 1 of the following year. be enrolled in employee-only coverage for the $300 Deductible Medical plan, Core Dental plan, and Core Vision plan retro- Got Questions? actively to your benefits eligibility date. We’re here to help. If you have questions about your benefits or enrollment, please call YBR Customer Service at 844-474-6641, or Changing Your Elections visit ybr.com/benefits/paypal. For claims assistance during the If you have a qualifying life event—such as getting married or year, please refer to the U.S. Benefits Contact Information section divorced, having a child, or experiencing a change in your eligibility at the back of this guide for each carrier’s contact information. —you can make changes to your benefits. You must contact Your Benefits Resources™ (YBR) within 30 days of the event date to make any updates to your coverage. If you wait beyond the 30-day period, you will not be able to change your benefits. 2 Learn more at paypalbenefits.com.
Medical Options You have a few choices for medical coverage, depending on where you live. UnitedHealthcare NOTE: If you have an HSA and are also enrolled in the Health Care Flexible Spending Account (FSA), you can receive With UnitedHealthcare® (UHC), you have access to a national, reimbursement for only dental and vision expenses through your extensive network of physicians and health care facilities. You FSA, because you are already receiving a health care tax benefit can receive care from any provider, but you’ll pay less when you through your HSA. visit in-network providers. Prescription drug coverage is provided through CVS/caremark®. You’ll receive a medical plan ID card HSA Contributions from UnitedHealthcare and a prescription ID card from CVS/ caremark. UnitedHealthcare offers two medical plan options: Employee with Covered Employee Only Dependents $300 Deductible • In-network preventive care is covered at 100%. PayPal Contribution $500 $1,000 • Once you meet your annual deductible, the plan pays 90% of 2019 Contribution $3,500 $7,000 most in-network eligible expenses, and you pay the remainder Maximum (including until you reach your out-of-pocket maximum. PayPal’s contribution) • Once you reach the out-of-pocket maximum for the year, the You can contribute an additional $1,000 if you’re age 55 or older. plan pays 100% of eligible in-network expenses for the rest of the year. • Out-of-network coverage is available. Health Maintenance • See the medical plan comparison chart on page 4 for benefit coverage and limits. Organization (HMO) You can also choose an HMO medical plan if you live in California Consumer Directed Health Plan (CDHP) with Health or Utah. Savings Account (HSA) • Kaiser Permanente HMO (CA) • A high-deductible health plan. • SelectHealth HMO (UT) • With the exception of preventive exams, all care (including You must receive care within the HMO plan’s network of prescriptions) is subject to the annual deductible. providers and facilities, except in the event of an emergency, • Deductibles and coinsurance apply toward when out-of-network coverage may be available. You’ll select a out-of-pocket maximums. Primary Care Physician (PCP) who will provide routine services • You can make tax-free contributions to a Health Savings and can refer you to other providers in the network when you Account (HSA) to pay for qualified medical expenses for you or need to see a specialist or be hospitalized. your taxable dependents or save for a future medical expense. • PayPal contributes to your HSA. • The HSA is managed by HealthEquity. • The money is yours to keep forever! You’re eligible for coverage as of your hire date (or benefits eligibility date), and the elections you make as a new hire will remain in effect for the calendar year, unless you have a qualifying life event and update your selections within 30 days of the event date. Learn more at paypalbenefits.com. 3
Medical Options Important Information Medical Plan Comparison Chart About the $300 The following table summarizes the medical plan options and what you pay for care. Refer to the plan’s Summary Plan Description for Deductible and CDHP specific details about each plan. The UnitedHealthcare plans allow you to see providers in-network and out-of-network. Remember, both Health Plans medical and prescription drug costs count toward the annual deductible and the out-of-pocket maximum. Deductible: Amount you must pay each year before UnitedHealthcare UnitedHealthcare coinsurance benefits $300 Deductible CDHP with HSA are paid. In-Network Out-of-Network1 In-Network Out-of-Network1 $300 Deductible: Each covered individual must Annual Deductible $300 Individual $500 Individual $1,500 Individual $2,500 Individual meet the individual $900 Family $1,500 Family $3,000 Family $5,000 Family deductible. Out-of-Pocket Maximum $2,300 Individual $3,500 Individual $3,500 Individual $6,000 Individual CDHP: The entire $4,900 Family $7,500 Family $7,000 Family $12,000 Family family must meet the Coinsurance You pay 10% You pay 30%2 You pay 10%2 You pay 30%2 family deductible before coinsurance kicks in for any Hospital (inpatient) $250 copay, then You pay 30%2 You pay 10%2 You pay 30%2 individual; the deductible you pay 10% applies to all services except preventive care exams. Emergency Room3 (copay $100 copay, then you pay 10%2 You pay 10%2 waived if admitted) (for both in- and out-of-network) (for both in- and out-of-network) Out-of-Pocket Maximum (OOPM): The Doctor Office Visits $20 copay You pay 30%2 You pay 10%2 You pay 30%2 maximum you will pay Specialist Office Visits $35 copay You pay 30% 2 You pay 10% 2 You pay 30%2 before the plan pays 100% of covered charges. Includes Annual Physical Exams You pay nothing You pay 30%2 You pay nothing You pay 30%2 amounts paid toward your (100% covered) (100% covered) annual deductible, copays, Diagnostic X-ray/Lab You pay 10%2 You pay 30%2 You pay 10%2 You pay 30%2 coinsurance, and prescriptions. Just like the family deductible, if you cover one or more Prescription Drug Coverage dependents, you must meet Prescription coverage provided by CVS/caremark for UnitedHealthcare plan participants. the full family out-of-pocket maximum amount before $300 Deductible CDHP with HSA the plan begins to pay the remainder of eligible medical In-Network Out-of-Network In-Network Out-of-Network benefits for the rest of the Generic $10 4 $10 + 50% You pay 10% 2 You pay 10%2 year. This applies even if only one member of your family is Brand Formulary $25 4 $25 + 50% You pay 10% 2 You pay 10%2 using the plan’s benefits. Brand Non-Formulary $404 $35 + 50% You pay 10%2 You pay 10%2 Prescriptions under the CDHP: Deductible and Employee Costs Per Pay Period coinsurance apply. Your benefit costs are based on whether you cover only yourself, or yourself and your eligible dependent(s). Prescription Drug $300 Deductible CDHP with HSA Coverage Employee Only $51 $39 Chronic Condition Medications: Medications Employee + Spouse/Partner 5 $172 $123 prescribed for the Employee + Child(ren) $146 $115 treatment of diabetes, high blood pressure, and high Employee + Family $244 $159 cholesterol are provided at no cost to UnitedHealthcare 1 If you use an out-of-network provider, you will be responsible for any billed charges that exceed “customary and reasonable” charges. plan participants when they 2 Deductible applies. are filled by in-network 3 If services are not a true emergency, you'll pay more for the cost of the visit. pharmacies. 4 Copays will be applied toward a combined medical and prescription out-of-pocket maximum. Prescription Quantity Information: You may 5 The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual coverage (for your domestic partner) would be added to your taxable income. This is referred to as “imputed income.” You will see domestic purchase up to a 30-day partner imputed income added to your earnings (to incur the tax liability) and then deducted from your gross pay. supply at a retail location. You may purchase up to a 90-day supply of maintenance drugs via mail order or at a CVS or Target pharmacy for a reduced copay. (Does not apply to CDHP.) 4 Learn more at paypalbenefits.com.
Medical Plan Comparison Chart Prescription Drug The following table summarizes the HMO medical plan option and what you pay for care. Refer to the plan’s Summary Plan Description for Coverage specific details about each plan. Chronic Condition Medications: Medications Kaiser HMO (CA) SelectHealth HMO (UT) prescribed for the Provider Choice Kaiser facilities and physicians SelectHealth providers only treatment of diabetes, high blood pressure, and high Annual Deductible None $150 Individual cholesterol are provided at $300 Family no cost to Kaiser HMO (CA) medical plan participants Out-of-Pocket Maximum $1,500 Individual6 $1,500 Individual6 when filled by in-network $3,000 Family6 $3,000 Family6 pharmacies. Coinsurance N/A N/A Hospital $250 copay $250 copay6 Prescription Quantity Information Emergency Room7 $100 copay $100 copay Retail: You may purchase (copay waived if admitted) up to a 30-day supply. Doctor Office Visits $20 copay $20 copay Mail order: You may Specialist Office Visits $35 copay $35 copay purchase up to a 90-day supply of maintenance drugs Annual Physical Exams You pay nothing (100% covered) You pay nothing (100% covered) for just 2x the retail copay Diagnostic X-ray/Lab You pay nothing (100% covered) You pay nothing (100% covered) amount (does not apply to SelectHealth HMO). Prescription Drug Coverage Prescription copay (In-Network Only) Kaiser SelectHealth Generic $10 $10 Brand Formulary $25 $25 Brand Non-Formulary $258 $45 Employee Costs Per Pay Period Your benefit costs are based on whether you cover only yourself, or yourself and your eligible dependent(s). Kaiser SelectHealth Employee Only $39 $39 Employee + Spouse/Partner9 $131 $123 Employee + Child(ren) $107 $115 Employee + Family $184 $159 6 Includes office visit and pharmacy copays. 7 If services are not a true emergency, you'll pay more for the cost of the visit. 8 Requires pre-authorization by your Primary Care Physician (PCP). 9 The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual coverage (for your domestic partner) would be added to your taxable income. This is referred to as “imputed income.” You will see domestic partner imputed income added to your earnings (to incur the tax liability) and then deducted from your gross pay. Learn more at paypalbenefits.com. 5
Dental and Vision When enrolling in dental and vision coverage, you have the choice of two plan options, so you can select the coverage that best meets your and your family’s needs. View the dental and vision plan charts below to compare your plan options and what you pay for care. Dental—Provided by Delta Dental Core Plan Enhanced Plan Individual Deductible In-Network: $50 Out-of-Network: $75 In-Network: $0 Out-of-Network: $50 Family Deductible In-Network: $150 Out-of-Network: $225 In-Network: $0 Out-of-Network: $150 Annual Maximum Benefit $1,500 per person $2,500 per person (excludes orthodontia) Preventive and Diagnostic Care You pay nothing (100% covered); 2 cleanings per year10 You pay nothing (100% covered); 2 cleanings per year10 Basic Care You pay 20% after deductible In-Network: You pay 20% Out-of-Network: You pay 20% after deductible Major Care You pay 50% after deductible In-Network: You pay 50% Out-of-Network: You pay 50% after deductible Orthodontia Not covered You pay 50%; Lifetime maximum: $2,500 ID Cards ID cards are issued for dental plan options Vision—Provided by Vision Service Plan (VSP) Core Plan Enhanced Plan11 In-Network Out-of-Network In-Network Out-of-Network Coverage Exam: You pay nothing Exam: You pay nothing Exam: You pay nothing Exam: You pay nothing (100% covered) (100% covered) (100% covered) (100% covered) Materials: $20 copay Materials: $20 copay Materials: $20 copay Materials: $20 copay Eye Exam You pay nothing (one Up to $50 allowance You pay nothing (one Up to $50 allowance every calendar year)12 (every calendar year) every calendar year)12 (every calendar year) Lens Benefit (per year) No copay for standard Maximum benefit No copay for standard Maximum benefit progressive lenses Single: up to $50 progressive lenses Single: up to $50 $20 copay for premium Bifocal: up to $75 $20 copay for premium Bifocal: up to $75 progressive lenses Trifocal: up to $100 progressive lenses Trifocal: up to $100 Lenticular: up to $125 $40 copay for blue-light Lenticular: up to $125 -blocking/anti-reflective coating on lenses Frames $20 copay; up to $150 $20 copay; up to $75 $20 copay; $20 copay; (every calendar year) (every calendar year) $150 1st pair, $150 2nd pair $75 1st pair, $75 2nd pair (every calendar year) (every calendar year) Contact Lenses Up to $60 copay; $105 elective; Up to $60 copay; $150 elective; (per year; in place of frames) $150 elective $210 necessary $150 1st pair, $150 2nd pair $300 necessary Necessary covered 100% Necessary covered 100% LASIK Not covered Not covered $1,000 allowance Not covered ID Cards No ID cards are necessary. Simply provide your employee ID number to your participating VSP provider. 10 If you have been diagnosed with diabetes, heart disease, HIV/AIDS, rheumatoid arthritis, or stroke, you can get 100% coverage for 4 of the following (any combination) every plan year: teeth cleaning, periodontal maintenance, and scaling in presence of gingival inflammation. Enhanced Plan: First and second pair allowance can be split between frames or lenses. Frame allowance can also be used toward ready-to-wear, non-prescription sunglasses 11 when purchased using in-network providers. Additional eye exam will be covered with no copay for members with diabetes. 12 Additional eye exam will be covered with no copay for members with diabetes. 6 Learn more at paypalbenefits.com.
Employee Costs Per Pay Period Your dental and vision plan costs are based on whether you cover only yourself or yourself and your eligible dependent(s), too. Dental Vision Core Enhanced Core Enhanced Employee Only $3 $7 $1 $2 Employee + Spouse/Partner13 $6 $15 $2 $5 Employee + Child(ren) $8 $18 $2 $5 Employee + Family $11 $24 $3 $8 The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual coverage (for your domestic partner) 13 would be added to your taxable income. This is referred to as “imputed income.” You will see domestic partner imputed income added to your earnings (to incur the tax liability) and then deducted from your gross pay. Learn more at paypalbenefits.com. 7
Financial Security PayPal 401(k) Savings Plan Employee Stock Purchase Plan (ESPP) The PayPal 401(k) Savings Plan helps you build savings for an The ESPP gives you the opportunity to buy shares of PayPal’s active, healthy, and financially stable future. Plan highlights common stock at a discount. Plan highlights include: include: • You can contribute 2%–10% of your after-tax eligible payroll • You can contribute up to 50% of your eligible earnings earnings to purchase shares. through pre-tax and Roth contributions, up to the IRS • The purchase price is equal to 85% of the closing price of limit of $19,000 for 2019. common stock on either the first day of your applicable • You can make after-tax contributions up to the IRS limit offering period or the actual purchase date, whichever is lower. ($56,000 in 2019; includes the combined total of pre-tax, • When the purchase period ends, shares are purchased for you Roth, and employer matching contributions). Certain using contributions deducted from your paycheck. Your shares restrictions apply. are then deposited into your E*TRADE account. • If you’re age 50 or older, you can also make catch-up • You can hold your shares as a long-term investment or contributions of up to $6,000 for 2019. immediately sell them for cash. • You can designate some or all of your contributions as • Offering periods generally begin May 1 and November 1, with Roth contributions. purchase dates generally occurring on April 30 and October 31. • PayPal matches 100% of your pre-tax and Roth contributions, up to 4% of your eligible earnings. • Both employee and PayPal contributions are 100% vested immediately. Visit schwab.com/workplace to learn more. The PayPal 401(k) Savings Plan helps you build savings for an active, healthy, and financially stable future. 8 Learn more at paypalbenefits.com.
Flexible Spending Accounts (FSA) Life Insurance FSAs allow you to set aside pre-tax dollars from your paycheck Basic Life: Company-provided benefits of twice your annual to pay for eligible health care and dependent care expenses. earnings, up to a maximum of $2 million. You don’t pay federal or state income taxes on your FSA Optional Life: One to six times your annual earnings, up to a contributions. When you have an eligible expense, you request maximum of $2 million. Medical evidence of insurability (EOI) is a reimbursement to pay yourself back. There are two types of required for policies greater than $500,000 or three times your FSA accounts: salary (whichever is less). EOI is also required during Annual • Health Care FSA. Can be used for eligible out-of-pocket Enrollment if you newly elect optional life coverage or increase health care expenses (medical, dental, or vision care). You’re your coverage by more than one level. issued an FSA debit card (for annual elections greater than Spouse Optional Life: Up to the lesser of $250,000 or 50% $100). You can carry over up to $500 every year. of employee coverage. Medical evidence of insurability (EOI) is • Dependent Care FSA. Covers eligible dependent care expenses required for policies greater than $75,000. so that you (and your spouse) can work or attend school. Child Optional Life: Up to $25,000. Carefully consider your annual election. Any remaining balance in your account after the claim filing deadline will be forfeited. Accidental Death and Dismemberment If you’re a non-exempt employee enrolled in the Dependent (AD&D) Insurance Care FSA, you’re eligible for a company contribution of 15%, Basic AD&D: Company-provided benefits of twice your annual up to $652 annually. Your annual contribution includes your earnings, up to a maximum of $2 million. contribution and PayPal’s 15%. For example, if you elect Optional Employee Only, or Employee and Family AD&D: a yearly contribution of $1,000, PayPal will contribute $150 One to six times your annual earnings, up to a maximum (15% of $1,000), which means you’ll have $1,150 to pay for eligible of $2 million. daycare expenses. Disability Insurance (Short-Term and Long-Term) FSAs at a Glance In the event you become disabled as a result of injury or illness, Plan Maximum Election Eligible Expenses PayPal provides short- and long-term disability benefits at no cost to you: Health Care FSA $2,650 Medical, prescription, Short-Term Disability (STD): Provides 80% of your base dental, vision salary, up to a maximum of $6,500 per week. The Enhanced Dependent Care FSA $5,000 Child care or elder Maternity Benefit provides up to 100% of your base salary for the care expenses first eight weeks of pregnancy disability leave. Long-Term Disability (LTD): Provides 67% of your base salary, Group Legal Benefits up to $25,000 per month. Group legal benefits cover a broad range of legal services, including: • General telephone advice and office consultations Business Travel Accident (BTA) Insurance • Document review You can use BTA and emergency travel assistance when you’re • Wills and estate planning traveling on behalf of the company. The policy provides life and • Real estate matters AD&D insurance of up to five times your salary ($1 million limit), • Debt matters insurance for medical expenses incurred outside your home You may enroll in this plan during your initial enrollment period country, lost baggage, and cash or cash equivalents. or during Annual Enrollment. Identity Theft Protection If your identity has been stolen, Optum® Core ID Theft Protection immediately connects you to a specialist who can help you dispute fraudulent charges, help restore your identity, and take steps to avoid future losses. This program is provided at no cost to you. Learn more at paypalbenefits.com. 9
Time Off PayPal offers a variety of time off programs to meet your needs. Whether you're planning the annual family camping trip or taking time to recharge, our time off programs are here to support you. Sabbatical Program Paid Sick Leave (PSL) PayPal’s sabbatical program provides four weeks of paid time Paid Sick Leave (PSL) is provided for time off if you are ill, have a off after five years of service. Take a break from the pace of your medical appointment, or need to take care of a sick family member. work and recharge with family, travel, pursue hobbies, work on If you’re a non-exempt employee, you’re eligible for five paid your personal development—most important, have fun! sick leave days (40 hours) per year, which accrue per pay period Time Off until the maximum of 40 hours is reached. You can use PSL after • Non-exempt employees can use Paid Time Off (PTO) for 90 days of employment. vacation, personal time, or illness. You begin to accrue PTO Exempt employees receive five paid sick leave days per year from your first day of employment. If you’re a full-time at the beginning of the year, which can be used after 90 days employee, your PTO accrues at 4.92 hours per pay period, with of employment. an additional day added for each year of service, up to 20 days per year. If you’re a part-time employee, your PTO accrual will Enhanced Leaves be pro-rated, based on your scheduled hours. There are three types of enhanced leave: • Exempt employees use Tracking-Free Vacation (TFV) for time • Enhanced Maternity Benefit. Pays you 100% of your base pay off related to vacation, personal time, or short-term illness. for the first eight weeks of time away from work while you’re TFV means you work with your manager to take time off. It is on pregnancy disability. This benefit is coordinated with other not accrued, and there is no annual limit. benefits that may be payable, such as Short-Term Disability or any statutory programs. Holidays • Paid Bonding Leave. Pays you 100% of your base pay, up to PayPal observes 10 holidays each year. In 2019, PayPal will observe eight weeks, within the first year of the birth or placement the following holidays: of a child. This benefit is available to all mothers, fathers, same- • New Year’s Day, Tuesday, January 1 sex spouses, and domestic partners. The benefit can be taken • Martin Luther King Jr. Day, Monday, January 21 at one time or in increments (with supervisor approval). It will be coordinated with other benefits that may be payable, such • Presidents' Day, Monday, February 18 as state-specific paid leave programs. • Memorial Day, Monday, May 27 • Paid Family Care Leave. Allows you to take paid time off • Independence Day, Thursday, July 4 to care for a seriously ill family member. You receive 100% • Company-Designated Holiday, Friday, July 5 of your base pay for up to eight weeks to care for a sick • Labor Day, Monday, September 2 spouse, child, or qualifying parent if you’re certified as the • Thanksgiving Day, Thursday, November 28 primary caregiver. This leave will be coordinated with any other benefits that may be payable, such as state-specific paid • Day after Thanksgiving Day, Friday, November 29 family leave programs. • Christmas Day, Wednesday, December 25 Non-Exempt Employees Give Time Off (GTO) You can take advantage of PayPal’s Enhanced Leave Programs Through our charitable giving initiative, PayPal GIVES, employees after your first full year of employment. You must give at have the opportunity to be paid 100% of their base pay for least 90 days’ notice of your intent to take leave. This allows eight hours per year while volunteering at a qualifying charitable us to continue to offer flexible working benefits and maintain organization. GTO is available after your first year of employment. appropriate service levels for our customers. 10 Learn more at paypalbenefits.com.
Learn more at paypalbenefits.com. 11
Everyday Support Family Adoption and Surrogacy Assistance Benefits Family Health App If you adopt a child or use a surrogate, PayPal will reimburse you Download the Family Health by Wildflower app to help ensure up to $10,000 in eligible expenses per adoption or surrogacy. you and your family stay healthy. Track key health milestones Eligible expenses include attorney's fees, court costs, adoption or and customize the app for general health or pregnancy. The app surrogacy agency fees, and placement fees. is available to employees at no cost. Child and Elder Care Resources Fertility Benefits Bright Horizons provides backup care where and when you need it Pursuing fertility treatment can be complicated, emotionally most—if your regular caregiver is out sick, your child has a school draining, and expensive. Progyny can help you and your family holiday, or an elderly family member is recovering from surgery. during this very personal journey by providing services such as • Short-term Care provides up to 10 backup care uses per egg freezing, IVF, and pre-implantation genetic screening (if you calendar year (each dependent counts as one use). For in-home are enrolled in a UnitedHealthcare plan). care, you pay $6 per hour for both child and adult/elder care Milk Stork for New Moms (four-hour minimum). For center-based care, you’ll pay $15 per Milk Stork makes it possible for working moms to continue day for one child ($25 for two or more). breastfeeding—even while traveling. You can either ship your • Long-term Care offers resources and discounts to provide milk home as needed, or bring it home with you in travel coolers care for your whole family, including nannies, sitters for elder at no cost to you. care, pet sitters, housekeepers, and more. Pet Support Developmental Support Pets are family, too! Pet insurance is available to you on a If you’re raising a child with learning and/or behavioral challenges, voluntary basis to help cover the cost for veterinary care for your Rethink can provide valuable support and research-based household pets, such as dogs, cats, and birds. Employees receive resources. You can have live tele-consultations with behavioral a 5% discount under the PayPal group plan. Plus, find reliable pet health experts, and you have access to easy-to-follow videos, sitters through Bright Horizons when you need it. printable materials, and training resources to best support your child in reaching his or her top potential. Rethink services are provided at no cost to you. Health Resources Advocacy Services Stanford Health Navigation Services Advocacy services can navigate the health care system on your Stanford Health Navigators are available by phone to help answer behalf. If you’re unable to resolve an issue with your provider, or any questions and provide additional support and resources, need more urgent assistance, advocates can help. Your advocate regardless of the state where you live. Navigators can help with will quickly and thoroughly research your inquiry and work scheduling appointments and coordinating specialist visits at directly with your insurance carrier to resolve the issue. Stanford hospitals and clinics. Use Stanford Health Navigation Services to complement your health care provider and primary Expert Medical Opinion care physician. You have access to a customized website with Advance Medical provides you with complimentary access to health resources, services, and amenities. Take advantage of expert medical opinion services. If you or a family member the world-renowned Stanford Health Library, which provides receives a diagnosis or is considering a certain treatment, scientifically based medical information to help you make contact Advance Medical. They’ll assign a personal physician case informed decisions about health care. manager who will work as your advocate. 12 Learn more at paypalbenefits.com.
Benefits for Your Well-being Educational Assistance Program The Educational Assistance Program reimburses you up to $5,250 per Wellness Coaching year for expenses related to continuing education and developmental programs that can be applied to your current role or a likely Vida is a wellness coaching future role with the company. Courses must be pre-approved by your program that offers you manager before you can receive reimbursement for tuition, books, and lab expenses. You must receive a passing grade of C or better a network of coaches and for undergraduate courses, or a B or better for graduate courses. experts to help you achieve Employee Assistance Program (EAP) your wellness goals. No The EAP provides counseling and consultation services— including convenient virtual visits and virtual mental health matter what your goal is— visits—designed to help you and your eligible family members managing stress, eating with a wide range of personal, emotional, and financial issues. The EAP offers six counseling sessions per year on topics such as: better, or getting fit—Vida • Stress, depression, and anxiety is your first stop for total • Personal and family relationship challenges • Emotional wellness well-being. There’s no enrollment required. EAP services are provided at no cost to you. With the Vida secure mobile Emotional Well-Being app, you’ll get ongoing meQuilibrium helps you build resilience to stress and reduce guidance and support, its negative effects through confidential digital coaching. You’ll take a free online stress assessment, create a meQ profile, and interactive resources, and receive a personalized action plan. Download the app for support progress-tracking tools to on the go. keep you motivated. Plus, Support Your Favorite Cause Vida coaches and experts will Give as little as $10 to a nonprofit or charitable organization, and PayPal will match it, dollar for dollar, up to $2,500. recommend PayPal resources Volunteer your time, and we'll give $10 for every hour you donate, up to $500, to the organization you’ve chosen. Visit and benefit programs paypal.com/paypalgives for information about eligible available to you. And it’s nonprofits, including those outside the U.S. offered to all U.S. employees, Virtual Weight-Loss Support spouses/partners, and Real Appeal is a virtual weight-loss program that puts interactive videos, live online group discussions, and personalized coaching dependents age 18 and older at your fingertips. This one-of-a-kind program is available to all U.S. employees, spouses, and dependents age 18 and older at no cost. enrolled in a PayPal medical plan, at no extra cost to you. Learn more at paypalbenefits.com. 13
U.S. Benefits Contact Information Provider Website Phone Number Description Your Benefits Resources™ (YBR) ybr.com/benefits/paypal 844-474-6641 For all benefit plan and Customer Service enrollment inquiries MyHR MyHR Online 855-489-0343 MyHR Medical Plans Website Phone Number Policy # UnitedHealthcare $300 Deductible welcometouhc.com/paypal 844-298-2737 909006 UnitedHealthcare CDHP with HSA CVS/caremark (Prescription provider for UHC) caremark.com 844-287-1297 1166 Kaiser HMO (CA) kp.org 800-464-4000 604762 Northern CA, 232527 Southern CA SelectHealth HMO (UT) selecthealth.org 800-538-5038 G1017120 Dental Plan Delta Dental deltadentalins.com 800-765-6003 17690 Vision Plan Vision Service Plan (VSP) vsp.com 800-877-7195 30057214 Financial Security AC Newman (AD&D) Basic and Optional Policies acnewman.com 877-226-8711 ADD-123708 (Basic), PAI-123707 (Optional) Business Travel Policies MyHR Online 800-336-0627 (U.S.) Visit MyHR Online 302-476-6194 (Outside U.S.) Charles Schwab 401(k) Savings Plan schwab.com/workplace 800-724-7526 PayPal E*TRADE etrade.com 800-838-0908 Not Required HealthEquity HSA for participants enrolled healthequity.com/ed/paypal 866-346-5800 Not Required in the CDHP Hyatt Legal legalplans.com 800-821-6400 PW: 6091045 Optum Core ID Theft Program liveandworkwell.com 800-821-6400 PayPalUS Prudential Basic and Optional Policies mybenefits.prudential.com 800-524-0542 52583 Sedgwick Leaves Disability and Workers’ MyHR Online 855-233-7599 52853 Compensation Your Spending Account™ (YSA) ybr.com/benefits/paypal 844-474-6641 Not Required Flexible Spending Accounts Everyday Support Website Phone Number Policy # Arbor EAP (Nebraska) arborfamilycounseling.com 800-922-7379 arbor Bright Horizons careadvantage.com/paypal 877-BH-CARES UN: PayPal, PW: backup4u meQuilibrium mymeq.com/paypal 617-600-6671 PayPal Milk Stork milkstork.com/paypal 888-207-6909 PayPal Nationwide Pet Insurance petsnationwide.com 888-899-4874 PayPal Optum EAP liveandworkwell.com 866-248-4096 PayPalUS Progyny progyny.com/member-portal 833-838-5850 PayPal Real Appeal realappeal.com 844-344-REAL PayPal Rethink paypal.rethinkbenefits.com 877-988-8871 PayPal Vida (starting 1/1/2019) vida.com/paypal email: email@example.com HEALTHYPAYPAL Health Plan Resources Advance Medical (Expert Medical Opinion) advance-medical.com/paypal 888-416-7514 (U.S.) Not Required 650-284-0984 (Outside U.S.) Advocacy Services (Claims Assistance) alight.com/advocacy 844-474-6641 Not Required Stanford Health Navigator shc.is/paypal 844-463-7366 (U.S.) Not Required 650-736-2741 (Outside U.S.) 14 Learn more at paypalbenefits.com.
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The rights, if any, of employees to participate in the benefits programs and to receive benefits under such programs are governed by the terms and conditions of the applicable benefit plans and PayPal policies (the “Benefit Plans”), rather than any summary or other communication. In the event of any conflict between any summary or other communication and the Benefit Plans, the applicable Benefit Plan shall control. Information contained in this communication does not create a right to employment and will not be interpreted as forming an employment contract or affecting an employee’s employment status, which remains at-will. PayPal reserves the right to make changes or cancel any benefits at any time, at PayPal’s sole discretion. pp-ae-bnsmry-18
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